Can I refinance my car if I live outside Colorado?

No, the published rates and membership are primarily directed at those residing in Colorado.

What is the maximum term for my used car refinance?

For vehicles model year 2016 and newer with a loan amount over $25,000, you can get terms up to 84 months.

All lenders

Best for: Colorado residents refinancing a vehicle from 2016 or newer with low LTV

Credit Union of Colorado

Credit Union of Colorado — refinance rates starting at 5.99% APR for Colorado residents.

Min credit

Not disclosed

APR

From 5.99%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Credit Union of Colorado does not publish this on their public site. "No restriction" means Credit Union of Colorado explicitly states no limit.

Overview

Credit Union of Colorado offers you auto refinancing with competitive rates if you are a Colorado resident. You can choose terms up to 84 months for loans over $25,000 on vehicles model year 2016 and newer.…

What’s great

Starting APR floor of 5.99% for qualifying borrowers
Terms available for you up to 84 months for larger loan amounts
Accessible membership for you as a Colorado resident via a small foundation donation

What to know

APR floor requires an LTV of 80% or less and an automatic payment discount
Refinance rates are only available for your loan if it originates in Colorado

Eligibility

Minimum credit score	Not disclosed
APR range	Not disclosed
APR floor (as low as)	From 5.99% — minimum only; full range not published
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 84 months
States served	1 states
Membership requirement	Membership is open to you if you are a Colorado resident; you can join the Credit Union of Colorado Foundation for a $10 donation to become eligible.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Credit Union of Colorado's own published materials. Rates, eligibility, and terms can change — verify directly with Credit Union of Colorado before applying.

[1]Vehicle Loan Rates — Credit Union of Colorado
https://www.cuofco.org/vehicle-loan-rates
Last checked: October 2026
[2]Auto Loan Refinance — Credit Union of Colorado
https://www.cuofco.org/auto-loan-refinance
Last checked: October 2026
[3]Membership Eligibility — Credit Union of Colorado
https://www.cuofco.org/credit-union-colorado-membership-eligibility
Last checked: October 2026